🏦Bank Scorer

FOUNDATION ONE BANK

WATERLOO, NE · Supervised by FDIC

Est. 1905FDIC #18,761RSSD: FDIC-18761
Part ofFOUNDATION FIRST CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.75%

Institution Profile

FDIC BankFind

Address

23804 Cedar Dr, WATERLOO, NE

County

Douglas County

Established

January 1, 1905

Total Assets

$201M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$201M

Total Deposits

$174M

Net Loans

$138M

Net Income

$355K

ROA

0.75%

ROE

7.38%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.44%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$154M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244187.8%2.44%
20235088%2.00%
20227287.5%2.78%
20196492.19%1.56%
20185381.13%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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